Savings & Investments

At Torbay Financial Services, we construct investment plans to meet our clients’ objectives and agreed appetite for risk. We use all asset classes, from equity and bonds to managed futures, and can even access hedge funds where suitable. Managing the expected returns of the mix of investments is key to our investment planning strategies.

The value of investments and the income they produce can fall as well as rise, you may get back less than you invested.

Our investment planning strategies include:

ISAs

Unit Trusts

Investment Bonds

Collective Investment Trusts

EIS’s and VCT’s invest in assets that are high risk and can be difficult to sell. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Fact Finding & Goal Planning

Analyse Assets and Liabilities

Establish Target Income / Capital and date(s) required Sum

Establish any Specific Requirements – Ethical / Social

Scenario Planning – Risk/Investment Inputs

Attitude to Risk & AssetAllocation

Complete bespoke H&C Risk Questionnaire

Discussion on the volatility of different investment assets

Design a suitable mix of assets to generate expected/desired return

Tax Wrapper/Product & FundResearch and Monitoring

Pension / ISA / OEIC / UT / Bond / EIS / VCT / Structured Product

Investment Fund Selection

Initial External Research Team – ‘fund filtering’

Extensive Internal Fund research using risk weighted measures of return

Review Process

We facilitate three different levels of ongoing service

We monitor the investment recommendations

Complete review of all our recommended funds on a regular basis

We actively make ad hoc changes as and when required

Rebalance assets to fit allocation model to maintain expected return

Regular face to face reviews

WHY INVEST?

Cash deposits are useful for holding emergency monies for exploding boilers or short periods of unemployment, but inflation erodes the value of cash over the medium and long term meaning cash is not actually as safe as many people believe. Moreover cash savings accounts currently provide poor value for money.

With inflation hovering at around 3%, many people nowadays are reassessing their actual need for instant access cash, and allocating more capital to purchase ‘real assets’ that have a fighting chance of keeping up! This means decisions need to be made about how and where to invest, but investing in the current environment presents a number of challenges.

The choice of retail investment options is mind blowing with new ways and routes to invest seemingly springing up every day.

Online stock brokerage services provide an easy way to purchase everything from shares in FTSE100 companies to derivatives and CFDs to buying an index through ETorbay Financial Services. The thrill of watching the daily price swings is attractive to some and a small portfolio of handpicked shares can, in the right circumstances, produce stellar returns.

Other investors prefer the relative safety of open ended collective investment funds such as Unit Trusts and Open Ended Investment Companies (OEICs) that also provide access to real assets but have professional fund management making the daily buy/sell decisions. From low cost passive funds to high octane UCITSIII absolute return funds, there are literally thousands of retail collectives to choose from, most with daily liquidity.

EIS’s and VCT’s invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Please contact us to arrange an Investment Review. An Initial Investment Review is FREE and without obligation.

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Tomorrow (Saturday) Jacqui and Paul will be walking and hiking a Marathon from Exeter Quay to Babbacombe Downs, Torquay.

All in aid of supporting the local charity THHN - Torbay Holiday Helpers Network.

THHN sends families who have children with serious illnesses, bereaved families who have children and families with children who have a terminally ill parent from all across the UK on free holidays, not just to Torbay but to destinations across the country and abroad. The charity has grown at such a rapid speed thanks to the generosity of the local business community, businesses further afield and an army of big hearted volunteers.

× More options for you… Help us more by raising funds during this event This year we have more options for you in helping us. Fundraising is so important to us and over the years many runners have entered and also fundraised for us. Continue to Registration Become a Fundraiser THHN City to Sea Sa...

With some pension plans you can access your money as and when you need it to ease yourself into retirement. This can include using it to top up your salary while you are still working.

If you are planning to take money and keep saving into your pension tax efficiently, there are extra things to think about.

Find out more from Paul the Adviser.

Pensions are also about meeting your long-term needs, so if your current pension isn’t offering what you want for your retirement goals, you might want to consider moving your pension savings to another pension plan or provider.

If you would be giving up any valuable guarantees or benefits on your current plan, for example a Guaranteed Annuity Rate, this may not be the right thing to do.